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Discounting Promissory Notes in Andalusia

Our clients will be able to discount promissory notes in Andalusia more quickly through our new branch.

Workcapital continues its expansion strategy, which has already made it one of Spain’s leading providers of SME financing, specializing in promissory note discounting and factoring.

This marks another step forward in the company’s remarkable growth.

But above all, it will mean an even higher quality of service for our many clients in southern Spain.

Juan Antonio: 15 years in the industry


The branch is led byJuan Antonio Miranda Rojas, who holds a degree in Business Administration.

He has more than fifteen years of experience in the field of business financing.

He gained this experience after working at banks such as Pastor and Popular.

Descontar Pagarés en Andalucía

Juan Antonio Miranda (right)

100% customer-focused


The branch will be based in Córdoba. However, from there we will serve one of the autonomous communities that play a fundamental role in the Spanish economy.

Miranda explains the reasons that led the organization to establish the branch in the southern part of the country:

“We believe there is significant potential in Andalusia for Workcapital to work directly with our existing clients in the region and those who will join us once they learn about our approach, which is 100% focused on customer service.”

“Consequently, we are convinced that the branch will be a very important tool for Andalusian SMEs seeking financing through promissory note discounting or other financing options.”

“There’s a lot of activity involving promissory notes, and business owners know that it’s a good way to secure fast and reliable financing.”

Agriculture and Construction: Drivers of the Economy in Andalusia


Miranda does not rule out the possibility of expanding into other sectors, but he knows that

“In the construction and agriculture sectors— the engines of Andalusia’s economy—we have a long way to go, but at Workcapital SA, we are certainly open to supporting the entire business community in Andalusia.”

For his part, Juan Carlos Grau, CEO of Workcapital SA, states:

“The main reason we decided to open this branch is our need to offer the best possible service to all our clients.”

“We understand their need—whether at a specific time or on a regular basis—to secure financing for their businesses and SMEs, and we want to offer them the benefit of having a local office so we can be much closer to them. In fact, our team in Andalusia will personally visit all clients who request that we discount promissory notes in Andalusia.”

“We seek to build a relationship of trust with small and medium-sized business owners and want them to know that Workcapital SA is currently the best option in Spain for securing the best financing.”

“We’ve observed,” says Grau, “a very significant uptick in our operations in Andalusia, which is why we’ve decided to expand our network of branch offices, which already includes one in Catalonia, another major driver of the Spanish economy.”

“And we believe we’ve done so with the most qualified and experienced person for the job: Juan Antonio Miranda.”


If you’d like to contact Juan Antonio Miranda, call him at 671 48 74 32 or send your promissory note directly to jantonio.miranda@workcapital.es

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